TellerScore

Northeast Texas Teachers Federal Credit Union (NCUA charter #14170) is based in Paris, Texas. Its Q2 2026 call report shows $33.1M in total assets and $28.1M in member shares and deposits and 3 offices.

Northeast Texas Teachers Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 94th. Funding & liquidity contributes the most (100/100, 23% loans-to-deposits, 0% uninsured); earnings contributes the least (40/100, 0.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion95/100
Net worth ratio: 14.45%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.43%
Earnings40/100
Return on assets (annualized): 0.50%
Funding & liquidity100/100
Loans ÷ shares: 22.7% · 0.1% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.58%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (86 → 83), mostly because the earnings component weakened by 10 points.

TellerScore
798386Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202484
Q4 202484
Q1 202586
Q2 202586
Q3 202584
Q4 202579
Q1 202682
Q2 202683
Net worth ratio
7.00%10.72%14.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.13%
Q3 202413.66%
Q4 202414.26%
Q1 202514.25%
Q2 202514.31%
Q3 202514.32%
Q4 202514.22%
Q1 202613.95%
Q2 202614.45%
Delinquent loans (60+ days)
0.16%0.58%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.94%
Q3 20240.83%
Q4 20241.00%
Q1 20250.32%
Q2 20250.18%
Q3 20250.36%
Q4 20250.96%
Q1 20260.16%
Q2 20260.43%
Return on assets
0.31%0.85%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.39%
Q3 20241.38%
Q4 20241.36%
Q1 20250.89%
Q2 20250.76%
Q3 20250.69%
Q4 20250.67%
Q1 20260.31%
Q2 20260.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$33.1M14.45%0.43%0.50%22.7%
Q1 202682$33.9M13.95%0.16%0.31%20.1%
Q4 202579$33.0M14.22%0.96%0.67%21.2%
Q3 202584$32.6M14.32%0.36%0.69%23.0%
Q2 202586$32.3M14.31%0.18%0.76%24.6%
Q1 202586$32.0M14.25%0.32%0.89%26.7%
Q4 202484$31.5M14.26%1.00%1.36%27.8%
Q3 202484$32.3M13.66%0.83%1.38%28.2%
Q2 202481$32.8M13.13%0.94%1.39%28.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.45%
51st
Problem loans0.43%
61st
Net charge-offs0.15%
53rd
Return on assets0.50%
42nd
Loans to deposits22.7%
94th
Uninsured deposits0.1%
62nd
Loan-loss reserves0.00%
37th
Texas ratio0.6%
73rd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Greater Central Texas Federal Credit UnionCredit union Killeen, TX80 out of 100, Strong$34.2M11.3%0.00%vs
Common Cents Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$34.2M12.1%0.30%vs
Trinity Valley Teachers Credit UnionCredit union Palestine, TX91 out of 100, Very strong$31.6M31.3%0.59%vs
Brazos Star Credit UnionCredit union College Station, TX88 out of 100, Very strong$35.5M15.1%0.40%vs
Beaumont Community Credit UnionCredit union Beaumont, TX82 out of 100, Strong$35.8M13.7%0.00%vs
Wichita Falls Federal Credit UnionCredit union Wichita Falls, TX76 out of 100, Strong$36.1M11.8%0.32%vs

Deposit insurance

Is my money safe at Northeast Texas Teachers Federal Credit Union?

Yes. Northeast Texas Teachers Federal Credit Union is a federally insured credit union (NCUA charter #14170). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.1% of shares and deposits ($31K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.45%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Northeast Texas Teachers Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Northeast Texas Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
14170
RSSD ID
524887
Primary regulator
NCUA
Established
1961
Headquarters
3320 Lamar Ave, Paris, TX 75460
Employees
11

Quick answers

Northeast Texas Teachers Federal Credit Union: common questions

Is Northeast Texas Teachers Federal Credit Union NCUA insured?

Yes. Northeast Texas Teachers Federal Credit Union is a federally insured credit union (NCUA charter #14170). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Northeast Texas Teachers Federal Credit Union's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Northeast Texas Teachers Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Paris

InstitutionScoreAssetsCapitalProblem loansCompare
Employees United Federal Credit UnionCredit union Paris, TX92 out of 100, Very strong$12.4M32.7%0.08%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
Commercial Bank of Texas, National AssociationBank Nacogdoches, TX77 out of 100, Strong$1.7B10.6%0.14%vs
Peoples BankBank Paris, TX76 out of 100, Strong$185.4M9.6%0.25%vs
The Liberty National Bank in ParisBank Paris, TX75 out of 100, Strong$452.1M12.8%0.88%vs
First Federal Community Bank, SSBBank Paris, TX74 out of 100, Strong$603.6M13.1%0.75%vs